Borrowing in St. John's, Newfoundland and Labrador

With 110,525 residents counted in the 2021 Census, St. John's sits inside Newfoundland and Labrador's provincial lending framework.

Products compared here

These are two of the 20 products described on the site, and each has a national page as well as the provincial rules.

• Debt relief programs: The formal and informal routes out of unmanageable debt in Canada, and who is licensed to run them.
• Bad credit loans: Borrowing when the credit file is damaged, and what changes about price and security as a result.

How borrowing works locally

A prepayment privilege allows a borrower to pay more than the scheduled amount, sometimes with a charge attached.

An application usually asks for identification, income evidence, banking details and a statement of obligations. A lender may ask for proof of address, and a permanent address is a standard requirement for consumer credit.

The Newfoundland and Labrador rules that apply

The body that licenses consumer lending in Newfoundland and Labrador is the regulator named on the federal Payday Lending Regulations (SOR/2024-114)'s list of provincial and territorial regulators.

In Newfoundland and Labrador, payday lending operates under a licensed provincial regime, and the federal Payday Lending Regulations (SOR/2024-114) record a maximum cost of borrowing of $14 for each $100 advanced under SOR/2024-114.

Communities in the upper-middle band sit below the largest cities but above the small-town range, and the rules remain provincial.

The census figures for St. John's

St. John's recorded a population of 110,525 in Statistics Canada's 2021 Census of Population. 446.0 square kilometres of land are attributed to St. John's.

Population divided by land area produces a density of 247.8 people per square kilometre.

St. John's ranks 1 by population among the Newfoundland and Labrador places on this site.

St. John's therefore appears at rank 1 of 322 covered Newfoundland and Labrador places, with a density of 247.8 people per square kilometre.

Readers comparing St. John's with another community can use the same four census fields.

St. John's appears in the census record with 110,525 residents, and the density of 247.8 people per square kilometre follows from it.

The St. John's page follows the same structure as every other place page, with population, land area, density and rank.

St. John's sits at rank 1 within Newfoundland and Labrador in this data set, and the provincial rules apply as they do elsewhere.

For St. John's, the two census fields above are the only local statistics used anywhere on the page.

St. John's is one of 322 covered Newfoundland and Labrador places, counted at 110,525 residents with a land area of 446.0 square kilometres.

At 110,525 residents in the 2021 Census, St. John's is listed alongside the other covered places in Newfoundland and Labrador.

Nothing on the St. John's page is estimated; the population and land area come from Statistics Canada's 2021 Census of Population.

The land area recorded for St. John's is 446.0 square kilometres, and the population is 110,525 residents in the 2021 Census.

The density figure for St. John's, 247.8 people per square kilometre, is calculated from the population and land area above.

St. John's ranks 1 by 2021 Census population among the covered places in Newfoundland and Labrador.

loanmoose.ca is not a lender and does not make credit decisions. The lowest rates are only available to the most qualified applicants.

The 2021 Census of Population published by Statistics Canada is the source for population and land area; the federal Payday Lending Regulations (SOR/2024-114) are the source for payday rules.

Where a figure could not be verified, the page names the publisher instead of printing a number.